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2019 HEALTH SAVINGS ACCOUNT

Your Health Savings Account (HSA) is a tax-advantaged medical savings plan that is an integral part of the EPC’s federally qualified, High Deductible Health Plan. By selecting an HSA-qualified plan, you are eligible to contribute tax-free money into a health savings account (HSA). Your HSA funds can then be used tax-free to pay for qualified medical expenses. In addition, your HSA contributions earn tax-free interest and carry over from year-to-year, even if you change jobs or retire.In addition, your HSA contributions earn tax-free interest and carry over from year-to-year, even if you change jobs or retire. Just like the funds you contribute, interest earned on your HSA balance is not taxed.

You can use a tax-free health account for a wide variety of expenses:

Deductibles, copays, and coinsurance.
Medically necessary expenses not covered by your health plan.
Prescription drugs.
Over-the-counter (OTC) drugs prescribed by your doctor.
Some drugstore items, such as diabetic supplies and first aid.
Dental and vision care services.
Certain types of medical equipment.
Other eligible expenses as designated by the IRS.

For more information on HSA federal regulations, visit www.irs.gov/publications/p502.

For information about other BRI plans, see the following pages (which also are available from the Resources > Benefits menu above):

About Benefits
Medical/Prescription Drug Plans
Wellness Plan
Dental Plans
Vision Plan
Hearing Aid Program
2019 Medicare Supplement Plans
Disability, Life, and AD&D Plans
Retirement Plan
Church Administrator Resources

WHY SHOULD YOU CONSIDER AN HDHP PLAN?

If you enroll in the Gold HDHP Plan and meet certain criteria, you are eligible for a Health Savings Account (HSA). An HSA is a special tax-advantaged savings account that allows you to pay for your qualified health expenses.

Under the EPC Gold HDHP plan, the church contributes $1,000 for individuals and $2,000 for families annually to the HSA.
Under the EPC Bronze HDHP plan, the church contribution amount is up to the employer’s discretion.
Both plans must comply with the IRS annual limits.
Use your HDHP funds to pay for your deductible and other out-of-pocket costs under the medical plan.
Tax advantages.
Your money rolls over year after year, so you build savings.
It’s portable—the money stays with you even if you change jobs or retire.
At age 65, you can use your funds for any expense. You aren’t penalized for non-qualified medical expenses (though normal income tax still applies). You may also continue to withdraw money for qualified health expenses tax-free.

IS THE GOLD HDHP PLAN RIGHT FOR YOU?

If you want a tax advantaged account to save for current and future health expenses and want to take a more active role in your health care decisions, the Gold HDHP plan might be right for you. Because of the tax advantages, the IRS has rules you must follow to be eligible for a HSA. If you are considering the Gold HDHP plan, be sure to familiarize yourself with the regulations. The IRS does not permit you to contribute to a HSA if:

You have other first-dollar health coverage, such as coverage through your spouse (including a regular Health Flexible Spending Account plan).
You are enrolled in Medicare.
You were claimed as a dependent on someone else’s tax return.

GETTING STARTED

If you are new to HSAs, follow these steps to optimize your account and put you on the pathway to building health savings.

Step 1: Log on

Sign in to the member portal by visiting www.my.healthequity.com If it is your first time logging in, select ‘Create user name and password’ and follow the step-by-step process to verify your account. Once you are logged in, complete the following:

Add a beneficiary to ensure your HSA benefits your loved ones in the event of your death.
Elect to receive eStatements to avoid a monthly statement fee.
Navigate the portal and familiarize yourself with its features and capabilities. For a comprehensive portal guide, visit www.healthequity.com/learn/hsa/member-guide/member-portal.

Step 2: Activate your debit card

Once your HSA is opened, you will receive a member welcome kit including a HealthEquity Visa® Health Account Card. Activation instructions are included in the envelope. You can also speak to one of our account mentors to activate your card and receive additional insight into your account. For more information, go to Healthequity.com, login to your member portal and explore the various member resources, or call 866-346-5800.

HSA RESOURCES

Gold HDHP

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC) Document

Bronze HDHP

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC) Document

HealthEquity Member Portal

Check your balance, review transactions, view insurance claims, invest in mutual funds, and more

HealthEquity Employer Portal Guide

A one-stop resource for easily managing your HSA program for your church. Organized by topic so you can use it as an introductory reference and an ongoing tool.

BRI MEDICAL/PRESCRIPTION DRUG RESOURCES

Premium Rates Calculator

Calculators and charts provide monthly premium rates for 2019 EPC Benefit Plans

Medical/Prescription Drug Plan Document

The 2019 Plan summary document constitutes the terms and conditions of your medical and pharmacy coverage

Medicare Supplement Plans

A Medicare Supplement benefit is designed to “supplement” coverages provided by “original” Medicare

BCBS Global Core Plan

Also known as the Gold Ex-Pat Plan, the BCBS Global Core Plan is designed for our World Outreach global workers serving overseas

Platinum

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC)

Gold

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC)

Gold HDHP

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC)

Silver

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC)

Bronze HDHP

Medical/Prescription Drug Plan Summary of Benefits Coverage (SBC)

Prescription Drug Plan Smart90 Fact Sheet

Smart90 provides 90-day refills of maintenance medication prescriptions via Walgreens or Express Scripts home delivery

Prescription Drug Mail Order Form

Information and instructions for our Express Scripts prescription drug home delivery program

Prescription Drug Reimbursement Form

Use this form to submit receipts for prescription drugs you have purchased at full price from a retail pharmacy

HIGHMARK RESOURCES

Highmark BCBS

Highmark Blue Cross Blue Shield’s website

Highmark Baby Blueprints

Maternity education and support program

Highmark Beat Diabetes

Lower your risk of type 2 diabetes

Highmark Blue Distinction

Hospitals proven to deliver superior results for complicated, costly procedures

Highmark Blues on Call

No-cost information and support from a health coach

Highmark Care Cost Estimator

Compare cost estimates for more than 1,600 procedures

Highmark Member Portal

Check claim status, view your explanation of benefits, locate providers, and more

Highmark Personal Wellness Coach

Connecting you to resources available through your health plan, employer, and community

Highmark Virtual ID Card

Works just like your plastic ID card

Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at benefits@epc.org or 407-930-4492 (voice and fax).

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